US Metro Bank
Garden Grove, CA · Cert 58310 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · US Metro Bcorp
State charter, non-member · FDIC · 9 branches
Q2 2026
$1.6BAssets
$1.4BLoans
$1.4BDeposits
$161.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 47% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 10 of 19).
- Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.98%
Rank 17 of 19
Net Interest Margin
3.30%
Rank 10 of 19
Efficiency Ratio
60.42%
Rank 18 of 19
Equity / Assets
9.84%
Rank 15 of 19
Non-interest income vs. expense
Unfavorable gap of $21.7M · efficiency ratio beats 11% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 1.10% | 1.26% | 1.57% | Beats 11% | 17 / 19 | | |
| Return on Equity | 9.92% | 8.62% | 11.28% | 14.70% | Beats 32% | 13 / 19 | | |
| Net Interest Margin | 3.30% | 3.07% | 3.30% | 3.62% | Beats 47% | 10 / 19 | | |
| Efficiency Ratio | 60.42% | 33.01% | 51.12% | 56.65% | Beats 11% | 18 / 19 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.37% | 0.80% | 1.55% | Beats 35% | 12 / 17 | | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.05% | Beats 12% | 16 / 17 | | |
| Capital |
| Tier 1 Capital Ratio | 12.35% | 12.10% | 14.67% | 23.92% | Beats 32% | 13 / 19 | | |
| Total Risk-Based Capital Ratio | 13.60% | 13.35% | 14.67% | 24.05% | Beats 26% | 14 / 19 | | |
| Equity / Assets | 9.84% | 9.84% | 11.18% | 14.01% | Beats 21% | 15 / 19 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.40% | 79.34% | 95.16% | 100.04% | 53rd pctl | 9 / 19 | | |
| Loans / Assets | 83.57% | 69.86% | 77.55% | 83.04% | 79th pctl | 4 / 19 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |